What Is a POS Decline Fee?

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When you go into a store and swipe your card to pay for the purchase, the last thing you want is for the transaction to be declined. Not only is it embarrassing, but you run the risk of your bank charging you fees. Banks and other financial institutions use a number of terms to denote various transactions and fees. One term you should familiarize yourself with is the POS decline fee.


  • A POS decline fee occurs when you do not have the funds available in your account to pay for the transaction at hand. The decline fee may be charged to your account by your bank at the time the transaction is declined.

What Is a Point of Sale System?

The Opt-In Rule

Backup Funding Sources

Recurring Payments


About the Author

Tara Thomas is a Los Angeles-based writer and avid world traveler. Her articles appear in various online publications, including Sapling, PocketSense, Zacks, Livestrong, Modern Mom and SF Gate. Thomas has a Bachelor of Science in marine biology from California State University, Long Beach and spent 10 years as a mortgage consultant.